Young America Insurance in Cleveland, Ohio
Young America Insurance has several publicly listed offices in Cleveland and nearby communities. The official Fred Loya Insurance Ohio locator currently identifies Young America Insurance locations in Cleveland, Garfield Heights, North Randall, Elyria, and other parts of Ohio. [1]
YoungAmericansInsurance.com independently publishes insurance information and is not the official Young America Insurance website. This page summarizes publicly available office, contact, claims, Ohio coverage, and financial-responsibility information for people researching Young America Insurance in the Cleveland area.
- Young America Insurance has multiple officially listed Cleveland-area offices.
- Ohio’s minimum auto liability limits are 25/50/25.
- Some Ohio suspensions require an SR-22 or bond certificate.
- Fred Loya Insurance Group handles claims for Young America Insurance.
Young America Insurance Locations in Cleveland
The official Fred Loya Insurance Ohio locator currently lists the following Young America Insurance offices in Cleveland. Office information can change, so verify the address, telephone number, and opening hours with the official locator before visiting. [1]
| Young America Insurance Office | Phone | Current Listed Hours |
|---|---|---|
|
5308 Memphis Ave Cleveland, OH 44144 |
(216) 535-2754 |
Mon–Fri: 10:00 AM–6:00 PM Sat: 10:00 AM–2:00 PM Sun: Closed |
|
6555 Broadway Ave, Ste 5 Cleveland, OH 44105 |
(216) 706-5030 |
Mon–Fri: 10:00 AM–6:00 PM Sat–Sun: Closed |
|
8037 Euclid Ave Cleveland, OH 44103 |
(216) 706-2415 |
Mon–Fri: 10:00 AM–6:00 PM Sat–Sun: Closed |
The official locator also currently lists Young America Insurance at 5002 Turney Rd, Garfield Heights, OH 44125 ((216) 535-2726) and 21900 Emery Road, Ste 4, North Randall, OH 44128 ((216) 510-8174). [1]
Use the official locator for current hours and any location changes before traveling to an office.
Young America Insurance Customer Service and Claims
The official Fred Loya contact page currently lists 1-800-444-4040 for quotes and customer service. Fred Loya Insurance Group also states that it handles claims for subsidiaries including Young America Insurance. [3] [4]
Policy and Customer-Service Questions
Existing-policy questions involving billing, account access, documents, policy changes, renewals, or other servicing issues should be directed to the company or servicing provider responsible for the policy.
Our independent Young America Insurance policy and customer-service contacts summarize the publicly listed contact channels.
Claims
Fred Loya Insurance Group currently lists 1-800-880-0472 for claims and states that its claims operation handles losses for Young America Insurance and other subsidiaries.
The official claims page lists live-agent hours as Monday through Friday, 8:00 AM–7:00 PM Mountain Time, and Saturday, 8:00 AM–4:00 PM Mountain Time. [4]
Additional filing information is available in our independent Young America Insurance claims information .
Ohio Minimum Auto Insurance Requirements
Cleveland drivers are subject to Ohio’s statewide financial responsibility requirements. The Ohio Bureau of Motor Vehicles states that insurance is required to drive a motor vehicle and that proof of insurance must be shown at traffic stops, accident scenes, and vehicle inspections. [2]
| Liability Requirement | Ohio Minimum | General Function |
|---|---|---|
| Bodily injury liability per person | $25,000 | Maximum selected liability amount available for eligible bodily injury to one person when the insured is legally responsible, subject to policy terms. |
| Bodily injury liability per accident | $50,000 | Maximum selected bodily-injury liability amount available for two or more injured people in one eligible accident, subject to policy terms. |
| Property damage liability | $25,000 | Maximum selected liability amount available for eligible damage to another person’s vehicle or property when the insured is legally responsible. |
Collision and comprehensive address different types of damage to the insured vehicle and are not part of Ohio’s minimum liability limits. A lender or lessor may separately require collision and comprehensive under a finance or lease agreement. [5]
Ohio SR-22 Requirements for Cleveland Drivers
“SR-22 insurance” is a common informal phrase, but an SR-22 is associated with proof of financial responsibility rather than a separate type of auto insurance coverage.
Ohio BMV requirements depend on the specific suspension and when it was added to the driving record. For a first non-compliance offense added on or after April 9, 2025, the BMV requires a certificate of insurance (SR-22/bond) for one year. A first non-compliance offense added before that date retains a three-year requirement. [6]
Repeat non-compliance offenses and other suspension types can have different suspension, reinstatement, and filing requirements. Drivers should use the requirements shown on their own Ohio BMV record rather than assuming that every SR-22 situation has the same duration.
SR-22 Information to Confirm
- The exact suspension and reinstatement requirements shown by Ohio BMV.
- Whether the selected insurer or provider can supply the required Ohio certificate or filing.
- The filing period associated with the specific suspension.
- Any reinstatement, policy, filing, or billing charges that apply.
- What happens to the BMV filing if the underlying qualifying coverage is canceled.
Ohio BMV states that many insurers file SR-22/bonds electronically and that electronic filings usually process within 72 hours of receipt. The insurer is also required to notify the BMV when qualifying coverage associated with the filing is canceled. [7]
Factors That Can Change an Auto Insurance Quote in Cleveland
There is no single Cleveland premium that applies to every driver. Insurers can price similar risks differently, and quotes can also vary because of differences in drivers, vehicles, coverage, deductibles, location, discounts, and underwriting information.
Quotes with different limits, deductibles, drivers, or optional coverages are not directly coverage-equivalent. Even when coverage is substantially similar, different insurers can still produce different prices.
| Factor | Why It Can Matter | Information to Keep Accurate |
|---|---|---|
| Driving history | Tickets, accidents, claims, suspensions, and other permitted driving information can affect underwriting or pricing. | Driver history and prior claims information requested by the provider. |
| Garaging location | Where the vehicle is normally kept can be part of the insurer’s rating information. | Actual residential and garaging location. |
| Vehicle | Value, repair costs, theft experience, performance, safety equipment, and insurer claims experience can affect pricing. | Year, make, model, trim, VIN, use, and other requested vehicle information. |
| Mileage and vehicle use | Mileage, commuting, and other vehicle-use information may be rating factors depending on the insurer. | Realistic mileage and actual vehicle use. |
| Coverage limits | Selected limits can affect both premium and the maximum amount available under the policy for an eligible covered claim. | Use equivalent limits when evaluating quote differences. |
| Deductibles | A higher collision or comprehensive deductible may reduce the premium. | An applicable deductible represents the policyholder’s portion of an eligible covered loss or reduces the insurer’s payment according to the policy. |
| Prior insurance / SR-22 requirement | Prior coverage history or an active financial-responsibility requirement may affect eligibility, filing needs, or pricing. | Accurate prior-coverage information and the specific BMV requirement. |
The relationship between premium and claim cost also depends on how an applicable car insurance deductible works . The NAIC shopping tool recommends comparing coverage, deductibles, discounts, and payment options across insurers. [8]
Coverage Beyond Ohio’s Minimum Liability Requirement
Ohio’s required liability limits address legal financial responsibility for covered liability claims. Other coverage types address different losses involving the insured vehicle or other circumstances.
Liability Coverage
Liability coverage can address eligible bodily injury or property damage for which the insured is legally responsible, subject to selected limits and policy terms.
Collision Coverage
Collision can address eligible physical damage to the insured vehicle after a covered collision, generally subject to the applicable deductible.
Comprehensive Coverage
Comprehensive can address certain covered non-collision losses such as theft, vandalism, hail, fire, or animal-related damage, subject to policy terms, exclusions, and the applicable deductible.
Uninsured / Underinsured Motorist Coverage
Depending on the policy and applicable Ohio rules, uninsured or underinsured motorist coverage can address specified losses involving a driver with no insurance or insufficient insurance.
Initial Payments and Total Policy Cost
The amount required when a policy begins is not necessarily the total cost of the policy. Installment billing can change when premium is paid and may involve additional charges, while the policy-term premium, coverage selections, deductibles, and policy conditions determine the broader insurance arrangement.
When evaluating quotes, distinguish the initial amount due from the complete policy-term premium and any applicable installment or billing charges.
Frequently Asked Questions About Young America Insurance in Cleveland
Does Young America Insurance have offices in Cleveland?
Yes. The official Fred Loya Insurance Ohio locator currently lists Young America Insurance offices at 5308 Memphis Ave, 6555 Broadway Ave Ste 5, and 8037 Euclid Ave in Cleveland. It also lists additional Young America Insurance locations in nearby communities such as Garfield Heights and North Randall. Office information can change, so verify the official locator before visiting.
What is the Young America Insurance customer-service number?
The official Fred Loya contact page currently lists 1-800-444-4040 for quotes and customer service. Policyholders should use the contact information associated with their policy or servicing provider when available.
What number is used for Young America Insurance claims?
Fred Loya Insurance Group states that it handles claims for Young America Insurance and currently lists 1-800-880-0472 as its claims number.
What is the minimum auto insurance required in Ohio?
Ohio requires minimum liability limits of $25,000 for injury or death of one person, $50,000 for injury or death of two or more people, and $25,000 for property damage in one accident. These limits are commonly expressed as 25/50/25.
Is an SR-22 a separate type of car insurance?
No. The phrase “SR-22 insurance” commonly refers to insurance associated with a required financial-responsibility certificate. The underlying qualifying coverage still has its own limits, terms, premium, and eligibility requirements.
How long is an SR-22 required after an Ohio non-compliance suspension?
For a first non-compliance offense added to the driver record on or after April 9, 2025, Ohio BMV requires an SR-22/bond certificate for one year. A first offense added before that date retains a three-year requirement. Repeat offenses and other suspension types can have different requirements.
How quickly can an Ohio SR-22 filing process?
Ohio BMV states that many insurers file SR-22/bonds electronically and that electronic filings usually process within 72 hours after receipt. Processing can vary, so the BMV record should be checked before relying on the filing for reinstatement.
Does Ohio require more than 25/50/25 liability coverage?
Ohio’s statutory minimum liability limits are 25/50/25. Collision and comprehensive are separate physical-damage coverages rather than part of those liability minimums. A lender or lessor may separately require collision and comprehensive under a finance or lease agreement.
Can a higher deductible reduce the premium?
A higher collision or comprehensive deductible may reduce the premium. When an applicable deductible applies, the policyholder’s portion of the eligible covered loss is higher or the insurer’s payment is reduced according to the policy.
References
- [1] Fred Loya Insurance, “Ohio Car Insurance — Ohio Locations.” Source ↩
- [2] Ohio Bureau of Motor Vehicles, “Mandatory Insurance.” Source ↩
- [3] Fred Loya Insurance, “Contact.” Source ↩
- [4] Fred Loya Insurance, “File an Auto Insurance Claim.” Source ↩
- [5] National Association of Insurance Commissioners, “Auto Insurance.” Source ↩
- [6] Ohio Bureau of Motor Vehicles, “Non-Compliance Suspension.” Source ↩
- [7] Ohio Bureau of Motor Vehicles, “SR-22/Bond.” Source ↩
- [8] National Association of Insurance Commissioners, “A Shopping Tool for Auto Insurance,” 2023. Source ↩